Imali mboleko phakathi kwabantu

Imali mboleko ezenziwa phakathi kwabantu, ziba yinto elungileyo kakhulu yezemali, oku kungenxa yokuba inzala kwimali mboleko enikezelwa ziibhanki inyuka ngokunyuka kwaye ingathethi iikhredithi ezikhawulezayo. Kukho iindlela ezimbalwa kunye nezimbalwa ezifanelekileyo zokufumana imali efanelekileyo kwaye ukhetho olufanelekileyo lokulufikelela kukuya kwilungu losapho okanye kumhlobo ukuze akuboleke imali oyifunayo, ngale ndlela, bobabini banokuphumelela, bobabini obolekisayo kunye nalowo ubolekayo.

Xa intlawulo isekiwe, umbolekisi unokufumana Inzuzo yemali yakho kunye nalowo ubolekayo ungayifumana imali ngenzala ephantsi kunomyinge. Nangona isiphako ngumngcipheko, kuba imali mboleko phakathi kwabantu isekwe kwintembeko, kungcono ukushiya irekhodi loku ngesivumelwano semali mboleko phakathi kwabantu, kwaye oku, thintela iingxaki ezininzi.

Izibonelelo zemboleko mali phakathi kwabantu

Ezinye ze izibonelelo eziphambili zemboleko-mali Phakathi kwabantu, kulula ukuwafumana, kunye nesantya, oku kungenxa yokuba zifumaneka kwi-intanethi kwaye ngokugcwalisa nje ifom yesicelo ekwi-intanethi kwaye nje ukuba ifom ithunyelwe, yinto yakho imizuzu ukufumana impendulo.

Ukongeza, kunokwenzeka ukuba ufumane ezinye imeko elungileyo kwezi ntlobo zemboleko-mali, ukukwazi ukufumana isixa esikhulu semali ngokubanakho ukuyibuyisa kwiminyaka eliqela, ngenqanaba lenzala elikhuphisana kakhulu, ukuqala nge-7% nangona eyona nto iqhelekileyo kukufumana inzala ejikeleze i-15%.

Kuyenzeka kwakhona fumana imali-mboleko phakathi kwabantu Ezinikwa bobabini abantu kunye neenkampani, ziyinto enomdla kakhulu ekunikezeleni ngemali kuye nabani na, bobabini abaziqeshileyo kunye nee-SME.

Kufuneka ithathelwe ingqalelo ukuba, ngokusebenzisa mboleko phakathi kwabantu Unokufumana imali ngaphandle kwesidingo sezinto zemali okanye zebhanki ezichaphazelekayo, ngenxa yoko akuyi kufuneka ukuba uqeshe ezinye iimveliso okanye ube ngumthengi walo naliphi na iziko ukuze ufumane imali. Unokuba neendlela ezilungileyo zokufumana imali ngokukhawuleza nangokulula ngaphandle kokushiya ikhaya lakho, oku kungenxa yokuba isicelo, njengoko besesitshilo ngaphambili, senziwe ngokupheleleyo kwi-Intanethi.

Ukuba akukho khontrakthi, zeziphi iingxaki ezinokubakho?

Ngokomthetho werhafu kwi Ingeniso yaBantuXa kukho imali-mboleko phakathi kwabantu, umbolekisi anganyanzelwa ukuba abhengeze inzala, nokuba ikhona okanye ayikho. Inzala esemthethweni yale mali iya kusetyenziswa, eyi-3%. Ukuba isivumelwano sisekiwe phakathi kwala maqela mabini, inzala ayisayi kusetyenziswa kwaye umbolekisi akasayi kuhlawula inzala.

Enye ingxaki esinokujongana nayo kukuba uNondyebo uthathela ingqalelo ukuba imali-mboleko ayisiyo mboleko phakathi kwabantu, kwaye ngumnikelo ofihliweyo, oku ukuze ungahlawuli inzala. Nasiphi na isipho solu hlobo sixhomekeke kwirhafu yesipho, ukuba nje iimali mboleko ziphantsi kwerhafu yokudlulisa, baxolelwe kwisivumelwano semali mboleko yabucala.
Ukongeza kwinto yokuba, njengoko isebenza ixesha elide, kunokwenzeka ukuba umboleki okanye umbolekisi asweleke kwaye njengoko amatyala engacinywa kukufa aze adlulele kwiindlalifa, uthotho lweemeko ziyenzeka.

Ukuba uyafa umbolekisi, ityala liyakuba lilungelo kwilifa kwaye indlalifa enye okanye nangaphezulu iya kuba ngabo bafumana intlawulo.

Ukuba umboleki ngulowo ubhubhileyo, ityala liyakufakwa kwilifa kunye neendlalifa ziya kuba ngabo abalihlawuleyo ityala.

Inini i- mboleko phakathi kwezihlobo, umntwana ofumene imali uyakuba netyala nendlalifa, ngenxa yesi sizathu ityala liyacinywa, ngaphandle kokuba kukho iindlalifa ezingaphezulu ezifuna ukubanga inxenye yemali engqinelana nazo.

Isivumelwano somboleko semali

Yenza ikhontrakthi yokuxhasa oku uhlobo lwemali mboleko Yeyona ndlela ilungileyo, kuba iluncedo olusemthethweni kwisivumelwano sawo omabini amaqela, kwaye kuya kufuneka ubhalise kwi-hacienda ukuze iqale ukusebenza. Kuxhomekeke ekubeni okanye hayi na mboleko phakathi kwabantu eya kuvelisa inzala, imodeli yesivumelwano iya kuba yenye okanye enye. Imiba efanelekileyo echaphazela ikhontrakthi kwimali mboleko phakathi kwabantu yile:

Indawo kunye nomhla, idatha yobuqu yombolekisi kunye nomboleki, isixa-mali esiza kubolekiswa, ixesha lemali mboleko, nokuba inzala iyakufakwa okanye ayizukufakwa kwaye luhlobo luni.

Imali mboleko phakathi kwabantu Ziyaziwa ngokuba yi-p2p kwaye ziyindlela entsha yokufumana imali ekhawulezileyo kwaye enkosi kumaqonga abonelelwa kwi-intanethi, elula kakhulu kunangaphambili, kuba uyaziphepha iinkqubo ezicaphukisayo zolawulo lwamaphepha ngokufumana imali yakho indlela esebenzayo ngakumbi.

Ngayo mboleko phakathi kwabantu Kuyenzeka ukuba ufumane imali ngendlela elula nekhawulezayo, wenze lonke ulawulo lwayo kwi-Intanethi kwaye ngaphandle kokubhenela kwizibonelelo zebhanki okanye naliphi na iziko lezemali, ngenxa yesi sizathu kunokwenzeka ukuba ufumane amaxabiso amahle kunye asezantsi inzala. Ngoku siza kuyazi ukuba siyifumana phi le mali-mboleko kwaye isebenza njani ngokuchanekileyo, ukuze ufumane malunga neemeko ezinokufumaneka.

Ungasifaka phi isicelo semali mboleko phakathi kwabantu?

Imali mboleko phakathi kwabantu Bayacelwa ngeqonga lemali mboleko le-p2p, abajongene nokunxibelelana nababolekisi kunye nababolekisi bengachazwanga kwaye apho isicelo sinokwenziwa kwimizuzu nje embalwa kwiwebhusayithi yabo. Amaqonga aphambili emboleko kwi-Intanethi yimali mboleko yabucala.

Ukwenza isicelo semali-mbolekoKuya kufuneka ukhethe iqonga olikhethayo kuphela, eyona nto iphambili ekufuneka uyiqwalasele kukuba iqonga lelona lifanelekileyo kwiimfuno zakho zezemali, emva koko ucofe iqhosha lesicelo. Emva kwexesha uya kuba ne-fomu phambi kwakho ekufuneka ubonise kuyo isixa-mali ofuna ukusicela, kunye nexesha lokubuya kwemali ocinga ukuba unakho ukuyihlawula.

Banokucela olunye ulwazi olufana nolwazi lwakho lwezoqoqosho kunye nolokuqeshwa, kunye nenjongo oza kuyisebenzisa ngayo imali-mboleko ukubabonisa ngokungaziwa kubabolekisi kwaye bazimisele ukutyala imali kwimali mboleko yakho.

Kwimizuzu nje embalwa emva kokungenisa ifom, ababolekisi baya kuba nakho ukunxibelelana nawe bakwazise ukuba isebenza njani imali-mboleko oyicelileyo, kunye neemeko abanokufunyanwa phantsi kwazo, ziya kuba ziziphumo ezifanayo. Uhlalutyo.

Isebenza njani imali mboleko phakathi kwabantu?

Los mboleko phakathi kwabantu yavela kwamanye amazwe kwiminyaka eliqela eyadlulayo kwaye namhlanje bangene ngamandla eSpain ngenxa yenkxalabo yamatyala, oku kungenxa yokuba kukho ubunzima obukhulu bokufikelela kuwo kumaziko emveli ebhanki kwaye olu lukhetho olunomdla kakhulu lokufumana inkxaso-mali elungileyo ngendlela elula kunye nenkqubela phambili yakutshanje kwitekhnoloji.

Ukusebenza kwayo kusekwe kunxibelelwano phakathi obolekayo kunye nababolekisi ngokufanelekileyo, ngokuyimfihlo nangokukhuselekileyo ngomgaqo othile.

Umboleki Ngenisa iqonga lemali mboleko phakathi kwabantu, yenza isicelo semali mboleko apho unokucelwa imali ethile ukuba uyicele, ixesha ekufuneka libuyiselwe, injongo yemali mboleko, idatha yengqesho, idatha yezoqoqosho, phakathi kwabanye.

Iqonga lemali mboleko liyaqhubeka nokwenza uphando ngemali mboleko ebeliceliwe kwaye liyayamananisa nenani lobungozi. Kwimizuzu nje embalwa, inkampani iya kuqhakamshelana nomboleki-mali ukuze ikwazi ukubonisa ukuba ingaba imali-mboleko iyaqhubeka okanye hayi, kunye neemeko apho isibonelelo singafumaneka phantsi kweqonga.

Ukuba umboleki uyavumelana nayo yonke imiqathango kunye neemeko ezithe zaziswa iqonga lokubolekisana ngemboleko, imali-mboleko iya kubonakala kuyo kubabolekisi ukuba batyale imali kuyo. Yonke idatha yemali mboleko iya kuvela ngokungachazwanga kwaye ukuba kunokwenzeka ukuba unxibelelwano phakathi komboleki kunye nomboleki lunikezwe ngemiyalezo eqongeni, kungcono, ngale ndlela ukuba kukho ukuthandabuza kunokuba kusonjululwe.

Xa ababolekisi beyigqibile imali-mboleko ngepesenti eyi-100, iyakunyamalala kuluhlu lwemali mboleko apho inokutyalwa khona kwaye isivumelwano semali-mboleko siyakusayinwa, ngelo xesha iqonga liyakuthumela imali kwangoko ngqo kulowo ubolekayo.

Iimfuneko zokufaka isicelo semali mboleko phakathi kwabantu

Ukuze ukwazi Cela imali mboleko phakathi kwabantu, Kuya kufuneka ubonakalise ukuba unakho ukubanakho ukuhlawula amatyala ukuze uhlawule imali-mboleko kwithuba apho wawumisele ekuqaleni kwenkqubo ukuze ababolekisi bazithembe ngakumbi ukuba utyalomali lwabo alunakuba semngciphekweni omncinci.

Ukucela ifayile ye- mboleko phakathi kwabantu Kubalulekile ukuba nomthombo ozinzileyo woqoqosho kangangoko unakho kwingeniso, ke ngoko ukuba nepenshoni, irholo lomvuzo, ubungqina bengeniso okanye isibonelelo kunokuba yeyona ilungileyo. Enye into eya kuba nefuthe kwisigqibo sababolekisi sokutyala imali kwimali mboleko yakho okanye akunjalo kukuba awunawo amatyala kwiifayile ezigwenxa. Ukongeza kwinto yokuba inqanaba lakho lamatyala alikhange libe phezulu kakhulu, ke amathuba akho okufumana imali mboleko yakho phakathi kwabantu nawo aya kuphucuka.